Emergency Fund Calculator
How Long Would Your Emergency Savings Last?
See how many months of essential expenses your current savings may cover and track progress toward your own target.
How It Works
Enter three numbers and the emergency fund calculator does the rest.
Monthly Essential Expenses
Add up housing, utilities, food, transportation, insurance, and minimum debt payments.
Current Emergency Savings
Enter what you already have set aside for emergencies.
Target Months of Coverage
Choose the number of months of coverage that fits your household.
Current Months Covered
Emergency savings ÷ monthly essential expenses.
Target Emergency Fund
Essential expenses × target months.
Amount Still Needed
Target emergency fund − current savings.
Track Progress
- Current Savings
- $1,800
- Target Savings
- $7,200
- Months Covered
- 1.5
- Monthly Contribution
- $150
- Percent Complete
- 25%
Educational estimate based on the numbers you enter.
Getting Started
You've begun setting money aside — that counts.
Building Your Cushion
Your savings are growing month by month.
Halfway There
You're at the midpoint of your own target.
Strong Cushion
Most of your target is in place.
Goal Reached
You've hit the target you set for your household.
Important Note
Emergency fund needs vary by household. This tool provides an educational estimate and does not recommend a specific savings level for everyone.
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